Help 2-NDFL / 14.04.2020

Unreliable banks for deposits in the year. Top banks by deposits in Russia. Choosing the right investment

Content

Keep your money in Sberkass if you have it! A quote from Gaidai’s comedy is still relevant today. Interest rates on deposits in banks today are high so that people can profitably place money on deposit without worrying about inflation. Buying real estate now is not too much profitable investment, foreign currency periodically becomes cheaper in relation to the ruble, and storing banknotes at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.

Rates on deposits of individuals

Recent surveys show: more than half of Russians believe that it is better to save money in a bank, deposit or savings account. The confidence index in financial institutions is gradually increasing; people, based on the experience of previous years, prefer to save their surplus. Each bank offers its own solution, but there is a concept average rate bank interest, which is established by the Central Bank:

The Central Bank analyzes the actions of all financial institutions not only to identify violations that lead to fines or loss of license. Other indicators are also monitored.
Average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than last year 2016.
The state makes sure that institutions do not exceed this value by more than 2 points - this threatens them with fines, additional audits and increased insurance premiums. According to this principle, the state controls banking market without giving the opportunity credit institutions risk clients' money.

Interest on pension deposits

Everyone is happy to see pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all the largest Russian banks offer attractive interest rates on pension deposits with a replenishment function, which is a kind of analogue savings account, but with a much higher interest rate. Pensioners are encouraged to use different types deposits with a minimum initial amount.

Sberbank pleases pensioners with favorable conditions - interest does not depend on the size of the deposit, it is possible to replenish online. “Pension Plus” – replenishable deposit for 3 years, 3.5% per annum, “Save” – non-replenishable, rate 5.6% (up to 6.13% when opening an account online), “Replenish” – 5.12% ( online – 5.63%). There is a “Pension” - 8.3% per year from MDM Bank, Home Credit Bank offers a “Pension” - 7.75%.

Interest on ruble deposits

Main share bank deposits are ruble investments. When choosing where to invest money, you should not look for high interest rates in banks on ruble deposits that managers offer small organizations. Large financial institutions offer returns in the region of 8-10%:

Sberbank is positioned as reliable and does not offer annual interest more than 8.1, but the minimum amount starts from 1000 rubles.
VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawal or replenishment.
Alfa Bank also keeps the bar at around 9-10% on three-year accounts.

Rates on foreign currency deposits

Although the euro is considered more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks they range from 1.5 to 3.5% per annum, and again, popular players are in no hurry to make high interest rates on multi-currency accounts. If you want to earn extra money, take advantage of offers from small regional financial organizations, but as the percentage increases, the risk that their license will be revoked also increases.

Interest rates on deposits in Moscow banks

The bank must not only offer profit, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and, based on the results, a TOP-10 rating of profitable offers is compiled. They take into account the rating loan agreements, profitability and net assets, which gives an idea of their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its value.

The most best programs for Moscow banks:

"WITH maximum rate» – 8%, Uralsib;
“Vlad to the Future” – 10%, BinBank;
“Partner” – 8%, Nevsky Bank;
« Maximum income» – up to 8.4% from Sovcombank;
“All inclusive Maximum income” - 8.5% from the Moscow institution Credit Bank;
« Financial protection", in euros, 3.5% – Promsvyazbank;
“For life”, in euros, 3% – UniCredit Bank;
“Tradition of Success”, in euros, 2.5% – Promsvyazbank.

High deposit rates

Interest rates on bank deposits today vary widely. What does this depend on? Experts identify several reasons that can determine high interest rates on bank deposits:

the intensity of issuing loans, which constitute the main profit of institutions;
high competition - an increase in the number of institutions in the country leads to an increase in interest rates;
deposits from compound interest initially offer lower profits than with a simple bet.

Major players on financial market They are not motivated by profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, GazpromBank, AlfaBank, Raiffeisenbank - their percentage is rarely higher than 8.5-9%. People understand that inflated income parameters are more alarming than attractive. If you want to win on interest, look for an institution with a deposit insurance system. In the event of license revocation or bankruptcy, the state undertakes to return amounts to clients up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? About sharks banking business everyone knows: they are already well-known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three - Sberbank, VTB24, GazpromBank? The reliability of banks must be compared and analyzed constantly, taking into account:

analysis of the work of a credit organization by the Central Bank, taking into account the value of its equity;
customer reviews about the work of the institution;
inspection of organizations by special agencies.

Sample list of deposits with good interest rates from recognized reliable banks this year looks like this:

“Magnus” – 8% for a year from J&T Bank;
“Solid percentage” – 8% from 3 months. Promsvyazbank;
“PRIME” – 8.13% - 3 months to a year from UniCreditBank;
“150 years of reliability” – 8.2% for 3 months. from Rosbank;
“Promising” - up to 8.1% with terms from six months to 3 years from Gazprombank.

Banks of Russia - interest rates on deposits

As an analysis of deposits shows, the most favorable interest rates on deposits in Russian banks are for non-replenishable deposits for a period of six months or more. Offers from small banks that are actively trying to attract new customers may be interesting:

“Solid” – 10.5% for 550 days from GazTransBank;
“Maximum” – 10.5% from 9 to 36 months, Dolinsk bank;
“Loyalty to traditions Premium” – 10.25% (amount from RUB 2,000,000 for 1 year from Alef-Bank;
“According to the Europlan” - 10% for the year from BinBank Capital;
“Safe” - 10% for the year from the Interaction Bank.

Deposit rates in Sberbank today

Averages rarely exceed 8%, which is compensated by reliability, wide distribution throughout the Russian Federation and quality of service.

"Memory of Generations" - minimum deposit is 10,000 rubles. the rate is 6.4-7%, with part of the profit transferred to the Military Veterans Assistance Fund.
“Save Online” – can be done in any currency. A small minimum amount - only 1000 rubles. – makes it accessible to any segment of the population. Maximum percentage income – 6.13 in rubles and 1.06 in dollars.

More popular offers:

"Control!" – replenished, it is possible to issue it online. The percentages range from 3 to 5.85.
“Give Life” - part of the income is donated to the Foundation of the same name. Term – 1 year, rate – 5.3%, no replenishment.
"Savings" - a regular account with minimum percentage 2.3 per annum. There are replenishments and early withdrawals.
« Savings certificate» – a profitable offer with an income of 8.45% per annum. Feature – not subject to the deposit insurance system.

Bank VTB 24

This bank contains a share of government money, so its reliability is fully justified. Today, VTB 24 Bank offers low interest rates on deposits, which is compensated by favorable conditions:

“Profitable – Telebank” with monthly payment of profit - 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
“Cumulative” – from 200,000 rubles. for 3 months and above, interest – up to 6.95, there is capitalization of income;
“Comfortable” – 5.35% (when ordering on the website 5.5%) – period from six months, minimum amount – from 200,000 rubles, partial withdrawal is possible.

Rosselkhozbank of Russia

Rosselkhozbank positions itself as “ National Bank" With advantageous offers for all segments of the population. Interest on deposits individuals Rosselkhozbank range from 6 to 9% depending on the duration and size:

“Investment” - from 50,000 rubles, 8.75%, payment of profit - at the end of the term (six months, year);
“Golden Premium” – up to 8.1% for a period of 3 months. up to 3 years, minimum amount – 15,000,000 rubles;
“Classic” - profit 7.95% per annum, interest payment - optional, minimum amount - 3000 rubles.

Deposit in Alfa Bank

The interest rate on deposits at Alfa Bank is comparable to its competitors, but the popularity financial institution great. Currently clients are offered:

“Life Line+” – deposit for a year with compound interest (up to 7.1) and minimum amount 50,000 rub.;
“Victory+” – deposit for six months, up to 7.3% and a deposit amount of 50,000 rubles;
“Potential+” – with a high minimum amount of 5,000,000 and a profit of 6.4%, term – 245 days;
“Premier+” - for six months, 6.8% with an amount of 5 million rubles (payment of profit - upon completion of the contract).

Post Bank

Pochta Bank appeared on the Russian financial market quite recently, and until 2016 it was called Leto-Bank and was subsidiary company major credit player VTB24. Last year, all branches of Leto-Bank closed, and clients were surprised to find that they were serviced by Pochta-Bank. An aggressive advertising campaign involving famous actors is doing its job; the bank is constantly calling for the use of its services to invest accumulated funds.

It is proposed to choose the following rates for deposits in Post Bank, and all deposits are subject to insurance:

“Seasonal” – for a year with a placement amount of 50,000 rubles. The rate is 8.25% with payment of profit upon expiration of the term, pensioners receive 8.5% per annum.
“Capital” – for six months or a year up to 8.25% plus a card as a gift.
“Accumulative” – a deposit that is replenished up to 7.5% and a minimum amount of 5,000 rubles. Maybe early closure and capitalization of interest quarterly.
“Profitable” - an annual deposit with 7.75% per annum and an amount of 500,000 rubles, a card or personal account comes as a gift.

Rating of banks by interest rate on deposits

The best interest rates on deposits this year guarantee small credit organizations who need to attract maximum amount new clients. It is worth noting that today leaders among credit institutions do not offer high interest rates on deposits in banks, and it is up to the client to decide which option is more important - profit or reliability. Almost all banks operating in the Russian Federation, who value their reputation, participate in the deposit insurance system (currently the maximum amount to be returned is 1 million 400 thousand rubles.

Specify the features of the offers in the table:

Bank's name		Interest	Terms of deposit
BaltinvestBank			There is no replenishment, interest payment at the end, no early withdrawal.
Russian standard	Maximum percentage		Payment of profit at the end, without replenishment and early withdrawal.
MosOblBank	Personal		Monthly payment profits, replenished, without withdrawal.
	Fixed income		Replenishable (if agreed in advance, with preferential commission for early withdrawal), payment of profits every month.
	Maximum percentage		Payment at the end of the year, replenishment is available, withdrawal of money before the end of the term is impossible.

Video: Interest rates on deposits in 2019

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Discuss

All banks are interested in attracting as much depositors' funds as possible to their accounts. For this purpose, a wide range of deposits appears. High interest rates are not always accompanied by ease of account management. Before choosing a banking program, you need to carefully weigh the pros and cons, and consider further possibilities for using the deposit.

In this article:

Choosing the right investment

Despite all the differences, deposits can be divided into three groups, depending on the capabilities of account management: profitable (without the ability to replenish and withdraw money), replenished and with the ability to use funds.

Choose the most high percent easy, but what to do if you urgently need money? This is where they come to the rescue savings programs with the right to partial/full withdrawal of money. Having cashed out some of the funds, the client does not close the deposit, and in some cases does not even lose interest.

If you have available funds, income can be increased by increasing the amount of the deposit, thanks to the right to replenish it. Standard "profitable" banking product, as a rule, does not include such an option. Its functions are to capitalize interest from month to month until the end of the contract term without the ability to manage and use funds ahead of schedule. Standard deposits have the most high profitability, depending on the amount of the deposit and the terms of the investment.

The conditions for making deposits in different banks are relatively equal:

You need to choose a specific offer.
Deposit an amount not lower than the specified minimum.
Present an identification document.

Below are the most profitable deposits in Moscow banks depending on their capabilities.

Income deposits

Bank of Moscow “Correct answer”

Interest rates up to 11% in rubles.

Deposit - from 100 thousand rubles.

BinBank

Annual interest is up to 10.75% in rubles, 3% in US dollars, up to 2.45% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

PromSvyaz Bank "My Benefit"

Interest rates up to 10.5% in rubles, 2.2% in US dollars, up to 1.15% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

Alfa Bank

Interest rates up to 10.29% in rubles, 2.59% in US dollars, up to 1.12% in euros. Opening - from 10 thousand rubles, 500 $ and 500 €.

UniCredit Bank

Interest rates up to 9.5% in rubles, 3.5% in US dollars, up to 1.5% in euros. Opening - from 100 thousand rubles, 1500 $ and 1500 €.

VTB 24 "Profitable"

Interest rates up to 9.2% in rubles, 1.95% in US dollars, up to 0.8% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

Gazprombank "Perspective"

Interest rates up to 9% in rubles, 1.5% in US dollars, up to 1% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Replenishable deposits

Bank Trust "Accumulative"

The annual rate is up to 10.65% in rubles, 2.45 in US dollars, up to 1.7% in euros. Opening - from 30 thousand rubles, 500 $ and 500 €.

PromSvyaz Bank "Maximum Opportunities"

Interest rates up to 10% in rubles. Deposit - from 300 thousand rubles.

Gazprombank "Accumulative"

The annual rate is up to 8.8% in rubles, 1.4 in US dollars, up to 0.9% in euros. Opening - from 15,000 rubles, 500 $ and 500 €.

VTB 24 “Accumulative”

Interest rates up to 8% in rubles, 1.85% in US dollars, up to 0.7% in euros. Opening - from 200 thousand rubles, 3000 $ and 3000 €.

RaiffeisenBank "Personal Choice"

Interest rates up to 8% in rubles, 0.5% in US dollars, up to 0.01% in euros. Opening - from 50 thousand rubles, 3000 $ and 3000 €.

Sberbank "Replenish"

Interest rates up to 7.1% in rubles, 1.85 in US dollars, up to 0.91% in euros. Opening - from 1000 rubles, 100 $ and 100 €.

Deposits with early withdrawal

Bank Trust "All inclusive" with the ability to top up your account

Interest rates are up to 10.4% in rubles, 2.35 in US dollars, up to 1.4% in euros. Opening - from 30,000 rubles, 500 $ and 500 €.

Gazprombank. Product "Dynamic" It has additional opportunity replenishment of deposits.

Interest rates up to 8.7% in rubles, 0.95% in US dollars, up to 0.55% in euros. Opening - from 15 thousand rubles, 500 $ and 500 €.

Rosbank "Optimal"

Interest rates up to 7.6% in rubles, 1.1% in US dollars, up to 0.2% in euros. Opening - from 50 thousand rubles, 2000 $ and 2000 €.

UniCredit Bank. Deposit "Universal" allows you to top up your account.

Interest rates up to 7.5% in rubles, 0.25% in US dollars, up to 0.25% in euros. Opening - from 10 thousand rubles, 300 $ and 300 €.

Sberbank "Manage"

Interest rates up to 6.59% in rubles, 1.64 in US dollars, up to 0.35% in euros. Opening - from 30,000 rubles, 1000 $ and 1000 €.

28May

Money is not only a tool for making payments. They should not only be preserved, but preferably also. One of effective ways increase the amount of savings are deposits. Many banking organizations offer to open them, of course, on different conditions. Today we will discuss how to choose deposits that are profitable for yourself.

Contribution: concept and essence

A deposit is a certain amount of funds that you transfer to a banking organization in order to receive income in the form of interest. It’s easy to become a depositor: you need to enter into an agreement to place money in rubles or other currencies in a bank account.

Any citizen has the right to place a deposit for individuals, regardless of his social status and financial situation.

TOP 20 banks where you can open a deposit

We will analyze the conditions for opening deposits according to several criteria.

Let us also immediately note important information: all data regarding interest rates and opening conditions were obtained from the official websites of banking organizations. It can change and be supplemented, this is the prerogative of banks.

Tinkoff Bank

Minimum contribution– 50,000 rubles;
Minimum placement period- 3 months;
Maximum placement period– 24 months;
Minimum % rate – 5,5%
Maximum % rate – 8,8%;
Accrual %– on a deposit or, at the client’s request, on a card;
Replenishment– regardless of time, via the Internet;
Removal in parts– regardless of the time, as convenient for you.

Summary: ease of opening, the ability to withdraw and top up your account at any time, quite a reasonable deposit amount. The bank participates in the deposit insurance system that we mentioned today. Among the pleasant bonuses, it can be noted that everyone who opens a deposit becomes the owner debit card jar. It is also possible to open a deposit in different currencies.

Minimum contribution– 1 ruble (depending on the type of deposit being opened);
Minimum placement period– 30 days (deposit “Save”);
Maximum placement period– 36 months;
Minimum % rate – 3%;
Maximum % rate – 7%;
Accrual of % occurs depending on the type of deposit;
Replenishment – Maybe;
Removal in parts- allowed.

Summary: The bank is certainly reliable, stable, and supported by the state. Participates in the deposit insurance system; you can open a deposit without visiting the office in person. At the same time, we note that interest rates leave much to be desired.

VTB 24

Minimum contribution– 200,000 rubles;
Minimum placement period- 90 days;
Maximum placement period– 60 months;
Minimum % rate – 4,10%;
Maximum % rate – 7,4%;
Accrual of % - every month;
Replenishment – Maybe;
Removal in parts– possible (deposit “Comfortable”).

Summary: The amount of the first payment is large, not everyone can make it. Quantity available deposits small, but this can hardly be considered a negative aspect. At the same time, it is possible to withdraw funds ahead of schedule, as well as replenish the deposit.

Minimum contribution– 10 rubles (deposit “On demand”);
Minimum placement period– depends on the type of deposit;
Maximum placement period– depends on the type of deposit;
Minimum % rate – 0,01%
Maximum % rate– 8.75% (investment deposit);
Accrual of % - every month;
Replenishment – yes, for “Managed”, “Savings”, “Pension Income” deposits
Removal in parts– yes, for “Demand” and “Managed” deposits.

Summary: The amount of the down payment is available to everyone; there are no restrictions on the terms of the deposit.

Minimum contribution– 1000 rubles;
Minimum placement period- 3 months;
Maximum placement period- 2 years;
Minimum % rate – 7,25%
Maximum % rate – 9,0%
Accrual of % - at your choice (every month or capitalization);
Replenishment – Maybe;
Removal in parts– not for all types of deposits.

Summary: Not all deposits are available for replenishment; cash for withdrawal must be ordered several days in advance. Positive aspects: you can manage your deposit without visiting the office.

Minimum contribution– 100 rubles (for the “Pension” deposit);
Minimum placement period- 90 days;
Maximum placement period–1095 days;
Minimum % rate – 0.01% (on demand deposit)
Maximum % rate– 7.8% (for the “Vacation” deposit);
Interest is accrued at the end of the term;
Replenishment – Yes;
Removal in parts – only for the “Dynamic” deposit.

Summary: The bank is a participant in the deposit insurance system, there is the possibility of personal consulting.

Minimum contribution – 10,000 rubles;
Minimum placement period – 3 months;
2 years;
Minimum % rate – 6,5%;
Maximum % rate – 7,35%;
Accrual % – daily, monthly;
Replenishment – yes, it's possible;
Removal in parts – yes, it's possible.

Summary: There is an increase in the rate when opening online, the bank is included in the deposit insurance system, and there is a relatively small minimum contribution.

Bank opening

Minimum contribution – 50,000 rubles;
Minimum placement period – 3 months;
Maximum placement period – 2 years;
Minimum % rate – depends on the type of deposit;
Maximum % rate – 8%;
Accrual % – 1 time per month (capitalization available);
Replenishment – Maybe;
Removal in parts – perhaps under the “Free Control” deposit.

Summary: There is an opportunity to replenish the deposit amount; online opening is available.

Alfa Bank

Minimum contribution – 10,000 rubles;
Minimum placement period – 3 months;
Maximum placement period – more than 3 years;
Minimum % rate – 4,5%;
Maximum % rate – 7.2% on the “Victory +” deposit;
Accrual % – every month;
Replenishment – Yes;
Removal in parts – Yes.

Summary: there is an opportunity to earn serious income, but for this you need to deposit a large sum minimum contribution, up to 3 million rubles.

Minimum contribution – 30,000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 36 months;
Minimum % rate – 5%;
Maximum % rate – 8,5%;
Accrual % – every month;
Replenishment – yes, according to the “Always at hand” deposit;
Removal in parts – Maybe.

Summary: It is possible to make a minimum contribution in several payments, and there is the possibility of monthly replenishment.

Minimum contribution— 10,000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 24 months;
Minimum % rate – 6,0%;
Maximum % rate – 9%;
Accrual % – at the end of the contract;
Replenishment – Yes;
Removal in parts – Yes.

Summary: for opening a deposit via the Internet, 0.25% is added. It is possible to withdraw money and not lose interest.

UBRD

Minimum contribution – 1000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 4 years;
Minimum % rate – 5% (for deposits in gold and silver);
Maximum % rate – 9%;
Accrual % – every month;
Replenishment – Yes;
Removal in parts – available.

Summary: small down payment amount, wide choice of deposits.

Minimum contribution – 1000 rubles;
Minimum placement period – 90 days;
Maximum placement period – 36 months;
Minimum % rate – 7,4%;
Maximum % rate – 8,3%;
Accrual % – 1 time per month;
Replenishment – Yes;
Removal in parts – Yes.

Summary: the bank increases the rate on deposits for persons who opened it via the Internet and ATMs (+0.3%). Also the percentage will be higher if you salary client or a pensioner.

Minimum contribution – 10,000 rubles;
Minimum placement period – 366 days;
Maximum placement period – 366 days;
Minimum % rate – 6,3%;
Maximum % rate – 8,10%;
Accrual % – every month;
Replenishment – Yes;
Removal in parts – Yes.

Summary: We see that the minimum contribution is small, it is possible to withdraw and replenish deposits, and you can also receive % every month.

Minimum contribution – 1000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 36 months;
Minimum % rate – 7,0%;
Maximum % rate – 8.22% (if you deposit 3 million rubles);
Accrual % – 1 time per month or at the end of the term;
Replenishment – Yes;
Removal in parts – No.

Summary: opening in rubles and foreign currency is available; you cannot withdraw money partially, but at the same time you can replenish the entire line.

Minimum contribution – 5000 rubles;
Minimum placement period – 6 months;
Maximum placement period – 1 year;
Minimum % rate – 7,5%;
Maximum % rate – 8.25% (“Capital”);
Accrual % – every month, every quarter;
Replenishment – Yes;
Removal in parts – Yes.

Summary: The bank’s website contains information that deposits are accepted only in rubles; in addition, you can get an increased percentage if you open a deposit via the Internet. It is permissible to close the deposit early and not lose the accrued interest.

Minimum contribution – 5000 rubles;
Minimum placement period – 1 month;
Maximum placement period – 24 months;
Minimum % rate – 6,5%;
Maximum % rate – 8,6%;
Accrual % – daily (if the “On Demand” deposit is opened);
Replenishment – Yes;
Removal in parts – Yes.

Summary: can be replenished open deposits and withdraw some of the funds.

Bank "Ugra

Minimum contribution – 100 rubles;
Minimum placement period – 61 days (for the “Special Client” deposit)
Maximum placement period – 36 months;
Minimum % rate – 6%;
Maximum % rate – 10%;
Accrual % – 1 time per month;
Replenishment – Yes;
Removal in parts – Yes.

Summary: Deposits can be replenished and withdrawn in parts; initially, you can deposit a small amount.

Bank Uralsib

Minimum contribution – 1000 rubles;
Minimum placement period – 90 days;
Maximum placement period – 36 months;
Minimum % rate – 6,1%;
Maximum % rate – 9,0%;
Accrual % – every month;
Replenishment – Yes;
Removal in parts – Yes.

Summary: The banking institution offers a wide range of deposits, there is plenty to choose from.

Minimum contribution – 30,000 rubles;
Minimum placement period – 91 days;
Maximum placement period – 720 days;
Minimum % rate – 6,5;
Maximum % rate – 8,5%;
Accrual % – every quarter, at the end of the term;
Replenishment – acceptable;
Removal in parts – Yes.

Summary: The bank offers a fairly wide selection; when opening via Internet banking, the percentage is slightly higher.

Comparative table for all banks

Banking institution	Maximum on deposit	Opening fee	Possibility of withdrawal/replenishment
10%	100 rubles	Yes Yes
9%	1000 rubles	Yes Yes
UBRD	9%	1000 rubles	Yes Yes
9%	1000 rubles	not for all deposits
Promsvyaz Bank	9%	10,000 rubles	Yes Yes
Tinkoff Bank	8,8%	50,000 rubles	Yes Yes
8,7%	10 rubles	Yes Yes
8,6%	5000 rubles	Yes Yes
Russian Standard / Sovcombank	8,5%	30 000 / 30 000	Yes Yes
8,3%	1000 rubles	Yes Yes
8,25%	5000 rubles	Yes Yes
Home Credit Bank	8,22%	1000 rubles	no Yes
8,1%	1000 rubles	Yes Yes
Bank opening	8%	50,000 rubles	Yes Yes
7,8%	100 rubles	Yes Yes
VTB 24	7,4%	200,000 rubles	Yes Yes
7,3%	10,000 rubles	Yes Yes
Alfa Bank	7,2%	10,000 rubles	Yes Yes
7,0%	1 ruble	Yes Yes

In the next part of our conversation, we will look at how to correctly compare deposits.

How to compare different deposits

It is clear that the most important indicator In comparison, most people consider the interest rate. But no less important are the indicators that we have already discussed in the table above: the ability to withdraw money and top up your account.

The level of income you will receive on your deposit primarily depends on the rate. If you open a deposit in foreign currency, you will receive less income if in rubles – more. Rates on foreign currency deposits are always lower than on ruble deposits.

Separately, we note that opening deposits without visiting a bank office, online or through an ATM, is currently becoming increasingly popular. Some banks offer a percentage slightly higher than the standard for such an opening. We also already wrote about this in the article.

If you read the recommendations of various experts, they note that you should not give priority when choosing a deposit to such an indicator as interest rate. It happens that their high level hides a great risk or is not at all profitable terms. The rate indicated in the advertisement – in fact below.

There is another criterion for comparison: the size of the minimum and maximum amount contribution. It cannot be said that it plays a big role, but it is worth paying attention to it, since the minimum contribution is associated with expense transactions. Speaking in simple language, this means that if you withdraw funds partially, this amount must remain in the account.

You cannot withdraw money more than this amount; you will lose everything that was credited. This is especially important for investors who have small amounts funds, invest them in order to withdraw the maximum at any time.

Purposes of placing deposits

It would seem that there is nothing complicated: you open a deposit so as not to lose money, save it, and also increase its quantity. But there are a number of other goals. Let's talk about them.

1. Earn money.

Don't be surprised, this is quite possible. Often banking organizations hold promotions of various types. If circumstances go well, you can get additional income.

2. Get benefits.

As an example, let’s take one of the largest banks in the Russian Federation. It has the following condition: for a person who opens a deposit for a certain amount, there will be preferential terms By mortgage lending. Imagine, there are not so few people willing.

3. Protect your money from inflation.

If you have set such a goal for yourself, then you can choose practically any type of contribution - they will all help with this. Keeping money in a box at home is not the best the best option, sooner or later inflation will eat them up, and no one is safe from thieves.

4. Save up for a major purchase.

We all know that there are people who don’t keep money in their pockets. They say about such people: give him a million, he will spend it in 2 hours. As a result, it turns out that money is needed for something really serious, but it is not there.

In this case, it comes to the rescue Bank deposit. Moreover, it would be better if it was impossible to withdraw money ahead of schedule. Then it will work out.

Now let’s talk in more detail about what types of deposits there are and how they are classified.

What types of deposits are there?

To attract a large number of clients, banking organizations are constantly expanding their line of deposits, adding more and more new ones. We will now look at the most popular types of deposits for us – ordinary people.

All deposits can be divided into 2 categories: urgent And poste restante. Term deposits are opened for a specific time; demand deposits do not have a specific period.

Savings.

It is worth noting that the most high stakes specifically for this group. In addition, it is not always possible to withdraw money from such deposits or to deposit funds into the account.

Calculated.

Thanks to the presence of such a deposit, you can control your finances and manage your savings. This type of contribution is also called universal.

Cumulative.

Provided for those clients who plan to replenish it throughout the entire term of the deposit. They are most often used by people who save up for expensive purchases.

Special.

These are deposits that are offered to be opened certain groups clients. This includes deposits for students, pensioners, and so on.

By season.

Timed to coincide with a certain time of year. They often have fairly high rates, but there is no rollover option.

Mortgage.

Designed for those who want to save up on their own an initial fee on a mortgage. They can be replenished, but cannot be renewed automatically.

Part of the funds or the entire amount immediately after the end of the contract will be used to pay mortgage payment. Now in the Russian Federation such a deposit is not found in all banking institutions.

Indexed.

This deposit belongs to the category of fixed-term deposits and is tied to changes in the value of an asset. The asset can be the dollar exchange rate, securities, precious metals and more.

Multicurrency.

The point of such a deposit is that the funds are stored in various currencies: most often rubles, euros and dollars. There is, of course, the opportunity to store money in more exotic currencies, but this is not common.

The main advantage of this type of deposit is the ability not to lose profitability and transfer funds from one currency to another. This is called conversion. As a rule, they do not charge a commission for it, but the rates here are lower than for other types of deposits.

Children's.

Opened in the name of a child who is not yet 16 years old. The contribution is targeted.

Numbered.

A person deposits funds only in cash. When opening such a deposit, the client can count on complete anonymity of his account.

How to choose a bank to place a deposit

Choosing a banking organization that you can trust with money and not be afraid of losing it will take a decent amount of time.

To make this task a little easier, here are a few recommendations:

Don't neglect other people's feedback. Check them out, it definitely won't hurt. Just pay special attention to those that are presented on the Internet as a whole, and not on the official websites of the banking organization.
Study information in the media for publications about the bank in a negative way.
When visiting a bank, check how interest rates apply on deposits: if they are too high, this is a reason to be wary;
You can use the information posted on the Banki.ru portal. Positive side The point here is that all the data on the site is presented in simple language; you don’t need to be an expert in economics to understand the topic;
Find out if the bank has branches and branches;
An important criterion for selection is the bank’s participation in the system state insurance deposits. This information is available on the Internet at free access, finding her will not be a problem.
On the official website of the Central Bank of the Russian Federation you can view information related to the reporting of banking organizations. The only downside here is that you have to figure it out to the common man difficult, requires specialist help.
An important indicator is the amount.
You can inquire about the bank's ratings, they are published special agencies. Of course, it’s difficult to keep track of them, but they can be used as additional information.
An indirect sign that all is not well with the bank are frequent failures in various operations.

Mistakes we make when choosing a bank

It is not always possible for a potential investor to adequately assess the reliability of the chosen banking organization.

By the way, the most common mistakes are made:

Selecting the highest deposit rate. This is dictated by the desire to increase the amount of their funds. If this is your only goal, you're better off using something else. financial instrument. Very high rates should not attract, but repel the client. Their presence is an indicator that the bank needs funds and is having financial difficulties.
Excessive trust in bank specialists. Even if an employee speaks convincingly and beautifully, his words must be supported by something. Stable and reliable institutions provide clients with all publicly available information.
Opening a deposit in a servicing banking organization. Often, depositors entrust their funds to the bank from which they receive salaries or other types of regular payments. This is convenient, but there is no need to bring all the money to one institution; it is better to distribute it among several.
Following untested recommendations. The experience of your friends and relatives is important, but you don’t need to follow it blindly. They are most often based on the opinion of a particular person, and not on the actual state of affairs.

To summarize, I would like to say that the choice of a banking organization must be approached with increased attention and thoroughness. It is better to spend time finding the bank that best suits you than to risk your savings.

State deposit insurance

Thanks to the implementation of this system, a person can get his money back even if the bank is recognized or its license has been revoked.

In 2017, deposits up to 1,400,000 rubles were insured. If you have deposits in several banks and all these credit institutions went bankrupt, you will receive 1,400,000 from each.

This program also applies to deposits made in foreign currency. The amount in this case will be calculated at the rate in effect on the date of revocation of the bank’s license. Recalculation is carried out in rubles.

Reasons for refusal to open a deposit

A banking organization, without stating the reason, may refuse to open a deposit for a client.

This happens infrequently, and the reasons may be:

The client is under 14 years of age;
The client does not have the opportunity to present a passport or other document that will prove his identity;
A citizen of another state wants to open a deposit but cannot confirm his right to stay on the territory of the Russian Federation.

In the next part of our article, we will take a closer look at 20 banking organizations that have already proven themselves to be reliable. People trust them with their money without fear for its safety. We propose to analyze the range of deposits offered by these institutions, and then draw a conclusion in which bank it is better to open a deposit.

Personal income tax and deposits of individuals

Most deposit programs do not require payment. Tax will be charged only if the level of income exceeds that established by law. But this year, banking organizations lowered deposit rates due to the fact that they increased insurance rates. This means that you cannot expect a high level of profitability.

You may ask: do you need to pay something or not? Let’s answer this: this direction of payments is practically not controlled. If you receive a payment notice, of course, make the payment. But if you haven’t been notified about this within 3 years, you don’t have to pay.

Interest on deposit: how to calculate

To begin with, let us immediately note that you should not completely trust the amount of interest on the deposit that is indicated in the advertising of the banking organization. Before you entrust your hard-earned money to a bank, try calculating the interest yourself. This may seem complicated to you, but we will try to explain in as simple a way as possible how to do this.

First of all, you should not completely trust the calculation to the deposit calculator.

They will not show real results because:

Their functionality is poor; the calculator does not take into account all the details. Therefore, you can refuse to use it and try to calculate everything manually.
Calculate everything before you decide on the bank and type of deposit. This is necessary to evaluate and compare different offers.
If you have any questions, contact the bank’s consultants, they will clarify all the necessary points.

Now let's move on directly to terminology and calculations.

Interest on deposits is calculated in two ways: using compound or simple interest formulas. The key parameter in both cases is the interest rate on the deposit.

The concept of % on a deposit refers to the amount that the bank pays to its client for using his money.

The rate is usually specified in the contract, indicated as a percentage per annum. The rate can be floating or fixed.

If we're talking about in a simple way% accrual, they are not added to the deposit amount, but are transferred to the depositor’s open account.

In the second option, the income that is accrued is added to the body of the deposit, it turns out that its principal amount has increased, which means that the total profitability has also increased.

Formulas

We calculate interest in case of simple accrual:

S = (P x I x t / K) / 100, Where:

S – accrued%;
P – the amount you deposit;
I – deposit rate for the year;
t – number of days for which % will be calculated;
K – number of days per year (don’t forget about leap days).

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 12 months, at 9.5% per annum. The percentage calculation is simple. After the end of the deposit period, O.’s income will be: (200,000 * 9.5 * 365 /365) / 100 = 19,000 rubles.

If compound interest calculation is implied, the calculation will look like this:

S = (P x I x j / K) / 100, Where:

S – accrued%;
P – the amount you deposited;
I – % of the deposit for the year;
j – number of days in the billing period;
K – number of days in a year.

Example. Citizen O. opened a deposit in the amount of 200,000 rubles, for a period of 6 months, at 9.5% per annum with capitalization. After the end of the deposit period, O.’s income will be: (200,000 * 9.5 * 180 /365) / 100 = 9369 rubles. (for 6 months).

Deposit in foreign currency: nuances

Under the current economic conditions, investors prefer to keep part of their money in foreign currency. If you are ready to open such a deposit, then remember: if the bank loses its license, the deposit amount will be paid to you in rubles.

Besides this, there is one more subtlety: DIA begins insurance payments 14 days after your bank’s license is revoked. And during this time, the exchange rate may rise, so you may lose some amount.

What do investors risk?

This is an important question that cannot be left unanswered. After all, everyone knows very well that every coin has two sides: positive and negative. We have already talked about the advantages of opening deposits, now we will discuss possible risks.

The most common are the following:

The banking organization is declared bankrupt;
Payment of personal income tax;
Increase in rates for deposits opened for a long time;
Liquidity risk;
Reinvestment risks.

And now a little more detail.

The bank was declared bankrupt.

To somewhat reduce the possibility of such a situation occurring, place your savings in different banking organizations, in amounts not exceeding 1,400,000 rubles. If something happens to the bank, the state will return your money.

Payment of personal income tax.

This will have to be done only if the rate on your deposit is 5% higher than the refinancing rate. Then you will have to pay, and in the amount of 35% of the excess amount.

Increase in rates for deposits opened for a long time.

If you open a deposit at 9% per annum for a period of 36 months, and after a year the rate becomes 12%, you lose 3% of income.

Liquidity.

This risk arises if you terminate the contract early term deposit. It’s better to open a deposit where funds can be partially withdrawn.

Reinvestment risk.

Let's say you opened a deposit for 6 months at an interest rate of 10%. You plan to reinvest these funds. But after 6 months the rates dropped and now you can only get 8% per annum.

To minimize risks, choose a bank carefully.

Fraudulent transactions related to deposits

Recently, the revocation of licenses from banking organizations has become a regular occurrence. But the problem is that 27 thousand people contacted the Deposit Insurance Agency with statements that people could not get a refund of their funds. As it turned out, there were fraudulent activities with deposits from banks.

What is the essence of such fraud? It turned out that banking organizations were kidnapping cash from the accounts of their investors. Double accounting was carried out, and the person did not even realize that he had been robbed. In accounting, the information that deposits were opened was either not indicated at all, or in a greatly reduced amount: instead of 500,000, only 50 rubles were reflected.

After the licenses were revoked, depositors were faced with the fact that there was no money in their accounts and nothing to reimburse.

How to protect yourself from such manipulations? Unfortunately, it is impossible to do this 100%. But we recommend that you keep all documents in the original: orders confirming transactions, agreements on opening deposits, and so on. And act actively, do not wait for the situation to normalize itself.

Proceed according to this algorithm:

Contact banking organization with a statement about insurance compensation by attaching the documents that you have in your hands;
The application from the bank is transferred to the Insurance Agency;
The agency registers it and reviews it;
If the decision is positive, changes will be made to the payment register;
As a result, you will receive your money in full.

Of course, this procedure will make you waste not only time, but also nerves. Although, most likely, the outcome will be positive.

We can also advise placing deposits in banks that are among the largest. This somewhat reduces the risk of license revocation and fraud. But this is everyone’s personal business, we will not impose anything.

Conclusion

So, our dear readers, now you know how to choose a suitable bank and open a deposit in it. If you place your funds successfully, you will not only save money, but also receive income. The main thing is to choose a bank wisely, and it is best to place funds in several stable banking institutions.

Only a few banks offer high-interest deposits in Moscow. Some make such an offer to attract new clients, others - to maintain their positive reputation. Most huge contribution- . But this can only happen if several conditions are met:

the account is opened immediately for the entire amount;
nothing can be done with the funds until the end of the contract;
the client belongs to the preferential category.

High interest rates are possible within . Receive maximum profit and when opening a foreign currency account.

Conditions for opening a deposit at a high interest rate in Moscow

A high percentage can be opened by citizens both at their place of registration and residence. For this you only need a passport. There are those who cooperate with young people over 14 years old. Offers for individuals differ:

minimum amounts.

The highest rates on deposits in Moscow are offered by institutions that have high performance according to own assets, good loan portfolio, that is, they are stable.

On our website you will find bank deposits with high interest rates in 2020. For convenience, we offer a comparative table with current information and to calculate possible profits. The data is updated regularly to ensure our users receive up-to-date information. If necessary, you can choose the most convenient currency for calculations.

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